Recognize that as we go into the third quarter, we've got some issuers who try to launch new travel-centric cards, and that opportunity is something that's a big trend.

Jul 28, 2022 / receipt, needs a key / Scott, other | earnings call 2022-07-28 | transcript 9ccb162f-3008-43dd-a83c-31ac23f6182d | chars 37459-37627 | segment 38

Now obviously, The interest on the part of the issuers toward, you know, reward cards associated with travel, given the backdrop and the loosening of mask mandates, et cetera, that's a very real thing that will benefit us.

May 5, 2022 / receipt, needs a key / JD, other | earnings call 2022-05-05 | transcript 9af1d328-f888-4a52-b11c-8bf3035bc11c | chars 33490-33712 | segment 34

And so if you think about what drives the profitability of every card that gets issued and There's some uncertainty as to the likelihood of consumers continuing to get out in the economy and spend on their cards, travel picking up, people getting back to restaurants and bars. But I think more importantly, are consumers going to continue to pay down those balances every month, or are they going to continue to revolve them? And so that obviously informs the unit profitability of cards that get issued, and that informs what card issuers are willing to pay. someone like us to deliver them new borrowers. And so it's just the unit economics in our business are down a little bit relative to where they were pre-pandemic. But we're seeing that get better and better every month, every quarter. And we would expect that trend to continue. But that's been one of the things that's held back some acceleration there.

Jul 29, 2021 / receipt, needs a key / JD, other | earnings call 2021-07-29 | transcript c466fc15-05be-4e7a-8c9e-224825f00759 | chars 27478-28392 | segment 28

Now, the reward programs have been probably challenged a bit because of the absence of travel, right? So much of that is travel-centric.

Feb 25, 2021 / receipt, needs a key / JD, CEO | earnings call 2021-02-25 | transcript dce81da1-887f-4a42-b008-d27f96f1c340 | chars 41736-41872 | segment 43

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